Headline

Senior Business Analyst @ Navi | Quantitative Investment | Credit Strategy | CFA Level II | IIT Kharagpur

About

My career has been driven by one question: How can better data and better models improve decision-making? I started as a Business Analyst at Navi, working across Payments, Insurance, Cash Loans, and KYC, where I learned how product, operations, and analytics come together to solve customer and business problems. As my responsibilities grew, I moved into the Credit Underwriting team, where I specialized in building machine learning-driven decision systems for personal lending. I owned credit strategy for nearly ₹400 Cr of monthly personal loan disbursals, developing automated underwriting frameworks, optimizing credit policies, and translating statistical models into production systems that balanced portfolio growth with risk. More recently, I transitioned into Quantitative Investing, where I now build systematic investment strategies and research platforms for active portfolio management. My work includes developing a momentum-based factor strategy, designing an Agentic AI-powered research platform, and automating the investment research lifecycle from strategy onboarding to portfolio reporting. Across every role, my focus has remained the same: building scalable decision systems that combine statistics, machine learning, and business understanding to solve complex financial problems. Before Navi, I worked on quantitative finance research at smallcase, investment analytics at KredX, and customer analytics at JM Financial. I hold CFA Level II (cleared both levels on the first attempt) and graduated with an Integrated M.Sc. in Economics from IIT Kharagpur. I'm always interested in connecting with professionals working in Credit Risk, Quantitative Investing, Decision Science, and Financial Analytics.

Location

Bengaluru

AI stack

claude code

cursor

gemini

notebooklm

ChatGPT

Work experience

Senior Business Analyst (Credit Strategy & Investments) at Navi, Jan 2025 - Present · 1 yr 9 mos, Promoted to Senior Business Analyst after leading high-impact initiatives in Credit Underwriting & Strategy. While continuing to strengthen Navi's lending business, I later transitioned to the investment team to apply the same quantitative and analytical approach to systematic investing. Factor Investing & Quantitative Research • Built an AI-powered, no-code research platform that automates strategy onboarding, backtesting, portfolio construction, and reporting, reducing research turnaround from days to approximately 20 minutes. • Designed and deployed a momentum-based factor investing strategy delivering a 23% CAGR over a 14-year backtest, outperforming the Nifty200 Alpha30 benchmark in 68% of rolling three-year periods. • Took the strategy from research to live deployment in January 2026 and currently oversee research, portfolio construction, performance monitoring, and continuous strategy enhancement. • Established reusable research workflows that significantly accelerate the evaluation and deployment of new systematic investment strategies. Credit Strategy & Automated Underwriting • Owned credit strategy for nearly ₹400 Cr of monthly personal loan disbursals, balancing portfolio growth with Expected Credit Loss (ECL) targets. • Improved approval rates by 5–10% by enhancing the credit policy optimizer while maintaining target portfolio quality. • Achieved the business's first sustained EMI Collection Efficiency above 99.9% across active lending policies. • Designed an end-to-end Credit Decisioning Framework using statistical techniques and machine learning, and automated policy execution through Databricks, reducing turnaround time from several weeks to under three hours.

Business Analyst (Product & Credit Strategy) at Navi, May 2023 - Dec 2024 · 1 yr 8 mos, Joined Navi as a Business Analyst supporting Payments, Insurance, Cash Loans, and KYC before transitioning into the Credit Underwriting team. This role built the foundation for my specialization in credit strategy and machine learning-driven decision systems. Product Analytics • Led analytics for a UPI Mandate A/B experiment, increasing disbursal-to-approval by 20% while improving D30 collection efficiency by 40 bps. • Rebuilt Payments dashboards into 40+ self-service views, reducing dependency on ad hoc analytics by 90% and lowering operating costs by 15%. • Forecasted Video KYC capacity using repeat borrowing behaviour, preventing unnecessary operational expansion. • Applied XGBoost to identify drivers of quote generation, leading to improvements in the pre-quote customer journey. • Investigated declining Health Insurance sales and identified product changes that led to the Trial Insurance concept. Credit Underwriting • Transitioned into the Credit Underwriting team to develop automated credit policies and machine learning-driven decision systems. • Built a Negative Signal Recommender using Decision Trees and Greedy Algorithms, reducing monitoring signals from more than 200 to 20 while preserving predictive performance. • Applied ensemble modelling and optimization techniques to improve customer segmentation and strengthen underwriting decisions. • Contributed to building scalable analytics workflows that later became the foundation for broader credit strategy initiatives.

Data Science Intern - Digital Business Group at JM Financial Ltd, May 2022 - Jul 2022 · 2 mo, Mumbai, Applied machine learning and customer analytics to improve investor segmentation and lending decisions. • Assessed customer quality, risk, and loyalty using portfolio characteristics, trading behaviour, and customer lifetime value. • Applied K-Means clustering to segment investors and identify suitable cohorts for equity-backed lending. • Recommended customer-specific credit limits, pricing, and tenure based on risk profiles. • Developed prioritization strategies for Margin Trading Facility (MTF) accounts using portfolio risk metrics.

Risk Analyst at KredX, Jan 2022 - Apr 2022 · 3 mo, Bangalore Urban, Conducted quantitative research on risk-adjusted investment strategies across multiple asset classes. • Evaluated Equity, Commodity, and Bond ETFs using VaR, CVaR, Sharpe Ratio, and return-based performance metrics. • Analyzed the impact of investment horizon on risk-adjusted returns using two decades of Nifty 50 market data. • Developed a risk-adjusted investment framework aimed at reducing behavioural bias in investment decisions. • Compiled the research into a manuscript submitted to the Journal of Behavioral and Experimental Finance.

Quantitative Finance & Research Analyst at smallcase, Jun 2021 - Sep 2021 · 3 mo, Bengaluru, Worked on statistical forecasting models for equity markets and quantitative investment research. • Developed similarity search models using MASS to identify recurring market patterns with over 90% correlation. • Enhanced ARIMA forecasting using MASS and fractionally differenced time series to improve prediction accuracy. • Built forecasting models combining ARFIMA, ARCH, and Gaussian Mixture Models to predict fat-tailed returns with less than 1% RMSE. • Backtested models across multiple securities, generating actionable insights for portfolio managers.

Associate Manager at Entrepreneurship Cell, IIT Kharagpur, Nov 2019 - Mar 2020 · 4 mo, Kharagpur, • Mentored a batch of 70+ GES Interns & 150+ CAs to run a nationwide marketing drive across 300+ colleges throughout the year • Contributed to planning and execution of Empresario, an annual business model competition which has prize money of INR 35 Lakh • Solely planned & organised a marketing case study competition in collaboration with the HRX brand which has prizes worth INR 20000

Associate Member at Entrepreneurship Cell, IIT Kharagpur, Mar 2019 - Nov 2019 · 8 mo, Kharagpur, • Spearheaded Entrepreneurship Awareness Drive (EAD) in Bhopal for session 2019-20 which saw a participation of 1000+ students • Solely Ideated and organised the first-ever edition of E-start in Bhopal which saw the participation of 5 student-run startups & 2 mentors • Partnered with 2 media, 4 outreach and 1 Television news channel (MP News) for online, offline marketing and live event coverage

GES Intern at Entrepreneurship Cell, IIT Kharagpur, Sep 2018 - Mar 2019 · 6 mo, Kharagpur, Promoted Global Entrepreneurship Summit 2019 in Indore.

Education

Integrated Master of science, Economics, Indian Institute of Technology, Kharagpur

CBSE, Jawahar Navodaya Vidyalaya - JNV